A Debt Settlement Plan With Total Debt Freedom

Total Debt Freedom believes the best solution is to deal with most serious debt problems is through the settlement of debts, not a new debt consolidation loan. This way you are dealing directly with the problem rather then creating new ones. Debt consolidation loans at 35% interest are a lucrative business for lenders and can be obscenely profitable. We suggest staying well clear of expensive loans. The only time you should consolidate debt is long before your credit goes bad. But once your bank turns you down, debt consolidation can be an expensive and almost impossible route to getting out of debt.

How Debt Settlement Works at Total Debt Freedom

Our debt help program, also known as debt negotiation, debt reduction or debt settlement, is an aggressive approach to getting you out of credit card debt. It is appropriate for people with unsecured debt from $10,000 up to $500,000. Our program is affordable and custom tailored to each of our client’s ability and resources to settle.

Our program is so effective that most of our clients find that upon completion they have become debt free in 3 years for considerably less than what they owed when they started, and that includes our fee.

According to bankrate.com’s credit card calculator someone with only a $10,000 credit card debt at 18% interest would take nearly 58 years to pay off this debt off assuming that person sticks to the minimum payment each month. Total interest paid during that time would be $28,931 plus the $10,000 original balance. Since September 2010 the Canadian government has forced changes to the way your credit card statements look, now they need to disclose the true cost of just making minimum payments, you can see examples here.

Call us today to find out if you can qualify, and get an estimate on what your savings could be. All you need to get a free quote is a recent statement from each creditor so you know how much is owed and a few minutes of your time.

Types of Debt That Qualify For Our Debt Relief Program

Unsecured Debt Includes:

Bank Credit Cards

Department Store Credit Cards

Retail Store Credit Cards

Unsecured Personal Loans or Lines of Credit

Auto Loans or Leases where the vehicle has been repossessed

Unsecured Business Debts and more

The Following Debts Are NOT eligible for our debt settlement program:

Student Loans and Taxes

A Mortgage

Payday Loans

Car Loan or Lease where you still drive the vehicle

Secured Loans or Lines of Credit

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If you would like to learn more about debt settlement, read this blog titled: What is debt settlement? Or want to get a free quote on how our program works, we invite you to take a few minutes and talk to our friendly debt consultants today at (866) 833 1992.

Total Debt Freedom was founded in 2004 and is fully licensed and bonded. We are a next-generation debt relief company, with the goal of being recognized in Canada as a top provider of consumer credit card debt relief.

Individual results will vary. Total Debt Freedom Inc. does not assume or pay any debt, nor does it provide legal advice or offer credit repair. If you need legal advice, you must consult with a licensed attorney. Individual results are highly dependant on successful completion of program and your ability to save funds. Settlement estimates of 40 - 60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results will vary based on individual circumstances. Please read and understand all contract terms prior to enrolment.